What does “inclusive surrogacy program cost” mean at Choice Surrogacy?

“Inclusive surrogacy program cost” at Choice Surrogacy means the program fee covers the agency-managed portions of the surrogacy process, including surrogate-related costs and the non-IVF professional services required to guide the program from matching through delivery.

This includes program prescreening, surrogate compensation, monthly expense allowances, independent legal representation for both intended parents and the surrogate, parental rights legal proceedings and finalization, maternity and delivery insurance premiums, deductibles and copays, out-of-pocket maximums, medical monitoring before and after embryo transfer, travel and expenses for screenings and embryo transfer preparation, as well as agency rematch fees according to the program selected.

Choice Surrogacy’s professional program services are included within the program structure, so families are not invoiced separately for agency services as the process unfolds.

All professional services and screening, other than standard pre-transfer and post-transfer monitoring, performed, required, recommended, or requested by the IVF physician, fertility clinic, laboratory, obstetrician, Gestational Carrier, other medical provider, or Client, including medications or supplements, procedures, testing, ultrasounds, services not covered by insurance, Gestational Carrier compensation, delays attributable to any such party, and all travel, fees, costs, and expenses related thereto, are expressly excluded from this Program.

Asking for more money if embryo transfers are unsuccessful depends on which Choice financial program you select and how many embryos you have:

• Choice Guaranteed Unlimited Program — No.
  Repeated embryo transfer cycle attempts resulting in no pregnancy are included, and if a rematch with a new surrogate that did not achieve pregnancy becomes medically necessary, screening and onboarding of the new surrogate are included as well. If your surrogate requires additional support during pregnancy (such as bedrest or other medically necessary reimbursements), those needs are included in the program. The only expenses not included are those required, prescribed, or performed by your IVF doctor, which are always paid directly to the IVF clinic by the intended parents. The only fees included in the program prescribed by the IVF doctor are the medical monitoring before and after your embryo transfer. This program is built so parents can continue their surrogacy journey without financial barriers standing in the way of success. It is important to know the program is limited to one cohort of embryos, no matter for example, if that cohort includes three or thirteen etc.
• Choice Guaranteed Term Program — Possibly.
  The Term Program includes one embryo transfer cycle attempt. If additional uncovered events occur — such as additional embryo transfer cycle attempts, a rematch with a new surrogate, or complications requiring additional surrogate reimbursements (e.g., bedrest or loss of reproductive organ) — a $5,000 program event fee applies per event. The only expenses not included are those required, prescribed, or performed by your IVF doctor, which are paid directly to the IVF clinic by the intended parents. The only fees included in the program prescribed by the IVF doctor are the medical monitoring before and after your embryo transfer.

Deciding which financial program is best for you at Choice Surrogacy is easy;

• Many intended parents choose the Choice Guaranteed Term Program when they have a small number of embryos and know they would stop the surrogacy process if pregnancy is not achieved. Or if their embryos are of high quality and they are confident in the success of one or two attempts.
• Families who have multiple embryos and intend to continue attempting pregnancy as long as they are able to do so commonly choose the Choice Guaranteed Unlimited Program, because they can move forward with additional embryo transfer cycle attempts and rematches without additional program cost.
• No matter how many embryos in your cohort/batch intended parents are free to choose the Choice Guarantee Program that feels financially safe.

IVF clinic medical services are not included in Choice financial programs because medical needs, screenings, testing, and procedures vary by clinic and by patient and are uncontrolled medical specialty costs. For this reason, anything required, prescribed, or performed by your IVF doctor is not included and is paid directly to the IVF clinic by the intended parents. This ensures Choice can offer predictable, standardized financial protection regardless of clinic protocol. The only fees included in the program prescribed by the IVF doctor are the medical monitoring appointments done locally near your surrogate,  before and after your embryo transfer - which can be two or ten or more appointments equalling thousands of dollars - this alone makes Choice Guarantee Programs differ from all other all-inclusive financial programs.

The payments for the surrogacy process at Choice Surrogacy are due in three equal milestone's and are deposited into your Client Expense Account Fund (CEAF). The three equal surrogacy journey milestones are:

1. Match Confirmation — due after your successful facilitated introduction match meeting
   led by Choice Surrogacy owner Trish Taylor, and after your IVF doctor has approved the
   surrogate’s pregnancy and delivery medical records and after the intensive in-agency screening process developed and performed and refined over thirty years.
2. Legal Clearance — due once the Gestational Carrier Agreement (GCA) is completed.
   This agreement outlines the rights and responsibilities of both the gestational carrier and the
   intended parents to one another during the surrogacy journey. Led by separate representation of independent attorneys, not affiliated with Choice Surrogacy, Inc.
3. Pregnancy Confirmation — due after your IVF doctor confirms a viable pregnancy by
   ultrasound when a healthy heartbeat is determined and your surrogate is fully transferred to her OBGYN.

This milestone-based structure aligns payments with meaningful progress and supports safe financial confidence throughout your journey. No other agency allow you to achieve a healthy pregnancy before you pay your all-inclusive program in full.

• Choice Guaranteed Unlimited Program —
  Maternity and delivery premiums, copays, deductibles and out of pocket maximums
  are included.

• Choice Guaranteed Term Program —
  Maternity and delivery copays and deductibles and out of pocket maximums are
  included. (premiums are not included)

Insurance premiums are not included and are estimated and requested separately with the third installment of the Term program deposits. This is a $6,000 estimated premium expense that is audited at the end of your journey and refunded if there is an overpayment and if premiums are slightly higher, the difference is requested during the third trimester.

The Choice financial program includes surrogate compensation and monthly expense allowances. Surrogate compensation and monthly expense allowance are fully included in Choice Surrogacy programs. Intended parents often share how reassuring it is to know their gestational carrier is supported financially throughout the journey — without having to request reimbursement or wait for payments. Choice offers one of the most competitive and thorough gestational carrier compensation packages in the industry. The monthly expense allowance begins as soon as the surrogate’s medical records are approved by your IVF doctor and your match is confirmed and continues through pregnancy and three months postpartum, providing stability and peace of mind for everyone involved.

If you need unlimited multiple embryo transfer attempts or a rematch the Unlimited program covers you. The Choice Guarantee Unlimited Program includes unlimited travel expenses, lost wages, monthly allowances and monitoring before and after your embryo transfer cycle attempts and covered rematches as needed to achieve a successful pregnancy — with no additional surrogacy cost beyond the program fee.

Only expenses required, prescribed, or performed by your IVF doctor are separate and paid directly to the IVF clinic. It is important to know the program is limited to one cohort/batch of embryos, no matter for example, if that cohort includes three or thirteen or more.

How does Choice Surrogacy protect intended parents’ funds during the surrogacy process?

Client Expense Account Funds are administered through a Client Expense Account Fund (CEAF) and overseen by CPA accounting and professional bookkeeping services. Choice Surrogacy operates as a licensed, bonded, and insured agency, providing financial accountability for the administration of intended parents’ program funds throughout the surrogacy process.

Choice Surrogacy is the only surrogacy agency in which the owner holds state and government accreditation through the Departments of Insurance in both California and Texas (CDI/TDI), maintaining an active Surplus Lines Insurance License. All funds designated for disbursements of the Gestational Carrier’s fees and expenses and all costs associated with the Choice Surrogacy Guarantee Programs on behalf of the Intended Parent’s are maintained in a separate protected account at Bank of America, known as the Client Expense Account Fund (CEAF). Choice Surrogacy, Inc. agency maintains comprehensive insurance coverage, Combined liability coverage exceeding 12.5M : as outlined below (copies attached).

Lloyd's of London ,Landmark Insurance – Professional Liability (E&O): Covers claims of negligence, errors, or omissions in professional services.
Philadelphia Insurance – Dishonesty Bond: Protects against financial loss caused by employee theft or dishonest acts.
Lloyd's of London, Hiscox Insurance – Crime Coverage: Covers losses from theft, fraud, forgery, or embezzlement, whether by employees or third parties.
Lloyd’s of London, Cyber Liability Insurance: Protects against data breaches, cyberattacks, and other digital threats to sensitive client information.

If you decide to stop the program before a successful pregnancy financially, Choice provides a compassionate refund if you decide to exit the program before a confirmed pregnancy — the refund amount depends on which financial program you selected:

• Choice Guaranteed Unlimited Program — Refund of $89,250 50% of the Program costs, if fully funded #3. If you exit the Unlimited Program before a confirmed pregnancy, and you have paid full program, you receive a refund of $89,250 according to the program’s refund schedule.
• Choice Guaranteed Term Program — 100% refund of remaining funds If you exit the Term Program before a confirmed pregnancy, you receive a refund of 100% of the remaining balance in your Client Expense Account Fund. If this occurs it is important to understand you have only funded #1 and #2 program funding requirements as the last milestone of pregnancy was not achieved.

A full overview of the programs’ terms of coverage and refund options for both the Unlimited and Term Programs is discussed in detail during your initial virtual consultation with Choice Surrogacy owner Trish Taylor, ensuring complete clarity and confidence before you move forward.

The cost of surrogacy in the United States typically ranges from $150,000 to over $250,000, depending on the structure of the program, the number of embryo transfer attempts required, surrogate compensation, insurance coverage, legal services, and other medical and logistical factors.

In many traditional surrogacy arrangements, intended parents begin by paying a large non-refundable agency retainer and then deposit significant funds into a trust or escrow account to fund the surrogate’s compensation and expenses. Throughout the process, families receive monthly accounting statements and may be asked to replenish the account as costs occur.

Choice Surrogacy was designed to simplify and stabilize this experience by organizing the surrogate-related financial aspects of the process into defined program coverage with predictable payment milestones, allowing intended parents to understand the financial framework of their program at the outset rather than managing expenses incrementally as the journey progresses.

Medical treatment performed by the IVF clinic, including medications and embryo transfer procedures, remains separate and is paid directly to the clinic and pharmacy.

All-inclusive and flat-fee surrogacy programs can seem the same at first—especially when they’re described in high-level terms. In reality, many programs are structured around what is easiest to define, while leaving the most consequential financial variables less visible to someone without deep surrogacy experience.

It’s common for programs to present a complete picture on the surface, even though the areas where financial exposure grows are not always obvious or clearly explained. Without knowing how surrogacy unfolds behind the scenes, parents may not realize which parts of the journey carry the greatest risk until they’re already in it.

Choice’s Financial Guaranteed Programs were shaped by decades of professional financial responsibility within surrogacy—understanding not just what to include, but what must be accounted for to truly protect families. That perspective informs how the program is structured, so coverage reflects the realities of the journey, not just the parts that are easiest to outline.

In most traditional surrogacy arrangements, intended parents begin by paying a large non-refundable agency retainer. Once a surrogate is matched, families are then asked to deposit a substantial amount into a trust or escrow account to fund the surrogate’s compensation and expenses as the process unfolds.

Throughout the journey, intended parents typically receive monthly accounting statements and are asked to replenish the trust account whenever balances fall below required thresholds. Unexpected developments, additional embryo transfer attempts, medical complications, or delays can result in additional funding requests along the way.

Choice Surrogacy was designed to prevent that experience.

Instead of beginning with a large retainer and repeatedly replenishing a trust account throughout the process, Choice programs organize the expected and unexpected surrogate-related costs into defined program coverage with predictable payment milestones.

This approach allows intended parents to move forward knowing the financial framework of their program at the outset rather than managing costs incrementally as the journey progresses.

Medical treatment performed by the IVF clinic remains separate and is paid directly to the clinic and pharmacy.